{"id":7146,"date":"2018-05-08T05:22:30","date_gmt":"2018-05-08T09:22:30","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=7146"},"modified":"2026-02-16T18:03:27","modified_gmt":"2026-02-16T18:03:27","slug":"first-mortgage-payment","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/first-mortgage-payment\/","title":{"rendered":"When Is My First Mortgage Payment Due After Closing?"},"content":{"rendered":"<p>A very popular question from a home buyer is &#8220;<em>When is my first mortgage payment due after closing?&#8221;.\u00a0<\/em> More than likely your mortgage payment is due on the first of each month.\u00a0 Actually, traditional mortgage loans like conventional, <a href=\"http:\/\/teammovemortgage.com\/fha\/\">FHA<\/a>, <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\">VA<\/a>, and <a href=\"http:\/\/teammovemortgage.com\/usda\/\">USDA<\/a> loans <em>require<\/em> payments due on the first of each month.\u00a0 But, there are sometimes options of the first payment date.\u00a0 In this article, we explain&#8230;<\/p>\r\n<ul>\r\n<li>\r\n<h3>How a first payment due date is determined<\/h3>\r\n<\/li>\r\n<li>\r\n<h3>Mortgage payment vs. rent<\/h3>\r\n<\/li>\r\n<li>\r\n<h3>Interim interest meaning<\/h3>\r\n<\/li>\r\n<li>\r\n<h3>Interim or daily interest calculation<\/h3>\r\n<\/li>\r\n<li>\r\n<h3>Possible payment options<\/h3>\r\n<\/li>\r\n<\/ul>\r\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7166 size-large\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2018\/05\/first-payment-date-1030x687.jpg\" alt=\"first mortgage payment\" width=\"1030\" height=\"687\" \/><\/h2>\r\n<p>photo from <a href=\"https:\/\/unsplash.com\/search\/photos\/calendar\">Unsplash<\/a>, <a href=\"https:\/\/unsplash.com\/@brookelark\">Brooke Larke<\/a><\/p>\r\n<h2>Interim Interest Meaning<\/h2>\r\n<p>Interim interest, also called per diem interest,\u00a0is basically how much interest is charged for a partial month that a borrower has use of funds.\u00a0 Each day a borrower has a balance on a loan\u00a0with interest, there is an interest charge.\u00a0\u00a0Interim interest is the total of the daily interest charge from the funding date through the 1st of the following month.\u00a0 So, the interim interest calculation would be number of days times the daily interest charge.\u00a0 Since interim interest covers the potential partial month between closing and first payment, then what does the first mortgage payment cover?<\/p>\r\n<h2>How Mortgage Interest Works<\/h2>\r\n<p>Mortgage interest is paid in arrears.\u00a0 So, what does that mean?\u00a0 Probably the easiest way to explain this is to compare mortgage payments to <a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/05\/05\/no-down-payment-mortgage\/\">rent<\/a>.\u00a0 When rent is paid on the first, it pays ahead.\u00a0 For instance, paying rent on August\u00a01 pays ahead for the month of\u00a0August.\u00a0 Conversely, a mortgage payment pays for accrued interest.\u00a0 Therefore, an August 1 payment pays for interest that has accrued for July.\u00a0 Further down in this article, there are examples of interim interest charges.\u00a0 These depend on the closing date and first payment date.\u00a0 While reviewing the chart, keep in mind that the first payment date covers the previous full month of interest charged.<\/p>\r\n<h2>Do I have a Choice of First Mortgage Payment Date?<\/h2>\r\n<p>Actually, there are times where a borrower has a choice of the first payment due date.\u00a0 The payment could be the 1st of the upcoming month or possibly the first of the following month.\u00a0 Although, this is only during a certain window of the month.\u00a0 At Blue Ridge Bank Mortgage, this option is available for fundings between the\u00a01st and 5th of each month.\u00a0 Other lenders may vary by a few days in this area.\u00a0 Below are examples of how closing dates as well as the\u00a0interest due or interest credit will affect the payment due date.<\/p>\r\n\r\n<p>[av_table purpose=&#8217;tabular&#8217; caption=&#8221; responsive_styling=&#8217;avia_responsive_table&#8217;] [av_row row_style=&#8217;avia-heading-row&#8217;][av_cell col_style=&#8221;]Closing Date[\/av_cell][av_cell col_style=&#8221;]Days of Interest[\/av_cell][av_cell col_style=&#8221;]First Payment Date[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]June 27[\/av_cell][av_cell col_style=&#8221;]4[\/av_cell][av_cell col_style=&#8221;]August 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 1[\/av_cell][av_cell col_style=&#8221;]0[\/av_cell][av_cell col_style=&#8221;]August 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 1[\/av_cell][av_cell col_style=&#8221;]31[\/av_cell][av_cell col_style=&#8221;]September 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 2[\/av_cell][av_cell col_style=&#8221;]-1[\/av_cell][av_cell col_style=&#8221;]August 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 5[\/av_cell][av_cell col_style=&#8221;]-4[\/av_cell][av_cell col_style=&#8221;]August 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 6[\/av_cell][av_cell col_style=&#8221;]26[\/av_cell][av_cell col_style=&#8221;]September 1[\/av_cell][\/av_row] [av_row row_style=&#8221;][av_cell col_style=&#8221;]July 15[\/av_cell][av_cell col_style=&#8221;]17[\/av_cell][av_cell col_style=&#8221;]September 1[\/av_cell][\/av_row] [\/av_table]<\/p>\r\n\r\n<p>Many buyers and Realtors automatically choose the last day of the month to close.\u00a0 Often the reason is to keep the daily interest low.\u00a0 But, as you can see the there are reasons and strategies to close on other dates.\u00a0 So, before automatically choosing the last day, discuss payment due date options with your loan officer.\u00a0 Plus, the last day of the month is the busiest for lenders, attorneys, and Realtors which can cause a\u00a0three ring circus even for the most perfect purchase process.<\/p>\r\n<h2>The First of the Month Due Date Does Not Work For Me<\/h2>\r\n<p>A very popular question is &#8220;Can I change my payment due date?&#8221;.\u00a0 It could be that there are already other large car or student loan payments due on the first or that the borrower&#8217;s income is deposited later in the month.\u00a0 Unfortunately, the actual due dates cannot change, but there are solutions to making the monthly payment!<\/p>\r\n<h3>15 Day Grace Period<\/h3>\r\n<p>The first solution is that mortgage lenders allow a 15 day grace period before charging a late fee.\u00a0 That means a payment does not need to be paid exactly on the first.\u00a0 As long as the payment is received within 15 days of the due date, there should be no late charge.\u00a0 So, this helps borrowers who need a little later due date.<\/p>\r\n<h3>Later in the Month Payment Idea<\/h3>\r\n<p>What if a mortgage payment made during the first 15 days of the month just does not fit in the budget?\u00a0\u00a0First of all, no\u00a0one should consistently pay past the grace period and accrue late payment charges.\u00a0 Then, how about pay early?\u00a0 That&#8217;s right!\u00a0 A buyer could make their payment date what they like by paying early.\u00a0 For instance, let&#8217;s say the closing date is June 15th and the first payment is due August 1.\u00a0 The buyer really wants a due date on the 25th of each month.\u00a0 Well, the buyer could make the first mortgage payment on July 25th and continue doing such every month.\u00a0 In reality, the payment will always be earlier than the actual due date.<\/p>\r\n<h2>When Will a Late Payment Show on my Credit Report?<\/h2>\r\n<p>Just because there is a late fee charged, it doesn&#8217;t mean a late payment reports on credit.\u00a0 Being 5, 10, 15, or even 29 days late does not report late to the credit bureaus.\u00a0 Lenders will report payments 30 day late to the credit bureaus.\u00a0 Next, there are 60, 90, or more late payments.\u00a0 If a borrower gets too far behind, then a lender could initiate the foreclosure process.\u00a0 When possible, it is so important not to have 30 day or more late payments.\u00a0 This could majorly affect a borrower&#8217;s <a href=\"http:\/\/teammovemortgage.com\/blog\/2014\/10\/14\/how-to-have-perfect-walk-on-water-qualifies-for-the-best-rate-there-is-credit\/\">credit report<\/a>. Have further questions on a first payment date, how a mortgage works, and looking for a mortgage? Contact a loan officer!<\/p>\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-8678\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2019\/11\/zillow-5-star.png\" alt=\"Russell Smith mortgage lender\" \/>\r\n<figcaption>Your experienced mortgage lender<\/figcaption>\r\n<\/figure>\r\n<!-- \/wp:post-content -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Realtors can follow on <strong><a href=\"https:\/\/activerain.com\/profile\/rdsmith\">ActiveRain<\/a><\/strong> or Connect on <strong><a href=\"https:\/\/www.linkedin.com\/in\/mortgageloanexpert1\/\">Linkedin<\/a><\/strong> for more news. <strong><a href=\"https:\/\/get.testimonialtree.com\/Details\/?u=18038\">See why service matters<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>A very popular question from a home buyer is &#8220;When is my first mortgage payment due after closing?&#8221;.\u00a0 More than likely your mortgage payment is due on the first of each month.\u00a0 Actually, traditional mortgage loans like conventional, FHA, VA, and USDA loans require payments due on the first of each month.\u00a0 But, there are [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7166,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,40],"tags":[1153,1154,1155,1156,1157,1158,1159,1160],"class_list":["post-7146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-tips","tag-first-mortgage-payment","tag-first-payment-due-date","tag-first-payment-options","tag-grace-period","tag-interim-interest","tag-late-payment","tag-per-diem-interest","tag-when-is-my-first-mortgage-payment-due"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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